2 Guaranteed Term Exchange Program Few things are guaranteed these days, and life insurance is not usually one of them. But now, with the Aviva Life and Annuity Company Guaranteed Term Exchange Program, your clients can get valuable, permanent life insurance protection with NO UNDERWRITING. Rules of the Road p Term policy must be with an eligible company p Conversion must occur within 36 months of the term policy issue date p Original term policy must have been fully underwritten p Term policy must have been issued at standard or better rates p Term policy must be fully surrendered and assigned to Aviva p New, Permanent policy guidelines: $100,000 minimum face; $1 million maximum face Minimum issue age 18; Maximum issue age 65 Same owner and insured as on term policy Same rating will apply (standard-to-standard, preferred-to-preferred) p Term Riders on permanent plans are NOT eligible p Non-Term Riders require full underwriting p NO partial conversions are allowed p NO term blends are allowed on the permanent policy Permanent policy options from Aviva include: p Advantage Builder p Lifetime Builder p Aviva LifeStage UL p Guarantee UL Solution For additional details, please see the following materials: p Guaranteed Term Exchange Brochure p Guaranteed Term Exchange Checklist p Absolute Assignment Form p New Prospect Pre-Approach Letter p Existing Client Pre-Approach Letter Helpful Hints To help expedite processing, follow these helpful hints: p For equal face amounts, we only need Questions 1-10 (Part 1) of the application completed; however... p Send ALL pages of the application for faster processing p Obtain all proper signatures p For increased face amounts or additional benefits, full underwriting IS required, and the entire application must be completed Plus, there are a few other items that we MUST receive in order to issue the new, permanent policy: p State-specific replacement form where required p Completed assignment form with original signatures p The original term policy, including the policy data page (lost policy forms or affidavits are not accepted) p Sufficient premium p A full, compliant illustration A Term Conversion Credit Need another reason to talk to your term customers? How about a term conversion credit of 12 MONTHS of the term premium? This is the amount that Aviva will credit to the new, permanent policy (not including policy fee). The only thing Aviva will ask is that the new, permanent policyowner pay at least one additional modal premium (or the balance for the annual premium). Unused term conversion credits, if applicable, will NOT be refunded in cash. Term conversion credits are non-commissionable. For questions regarding the Guaranteed Term Exchange Program, please contact Cheryl Ahrens at , ext or

3 Eligible Companies: AI Life Assurance Company of New York AIG Life Insurance Company Allianz Life Insurance Company of North America Allstate Life Insurance Company Allstate Life Insurance Company of NY American General Life and Accident Insurance Company American General Life Insurance Compnay American General Assurance Company American Mayflower Life Insurance Company American Mayflower Life Insurance Company of NY American United Life Assurity Life Axa Financial Axa Equitable Life Insurance Company Bank One Banner Life Insurance Company Berkshire Life Clarica CNA Connecticut General Life Insurance Company Connecticut Mutual Life Insurance Company Empire General Life Assurance Company First Colony Life Insurance Company First Fortis Life Insurance Company First Great-West Life & Annuity Insurance Company First Penn Pacific Life Insurance Company Fortis Life Insurance Company General American Life Insurance Company Genworth Life Insurance Company Genworth Life Insurance Company of NY Great American Great American Life Insurance Company of NY Great West Life & Annuity Insurance Company Guardian Life Insurance Company The Hartford Kansas City Life Lafayette Life Insurance Company Life Investors Financial Group, Inc. Lincoln Benefit Life Insurance Company Lincoln Life and Annuity Company of NY Lincoln National Life Insurance Company Massachusetts Mutual Life Insurance Company Metropolitan Life Insurance Company As of July 2011 Midland National Life Minnesota Life Monumental Life Insurance Company MONY Life Insurance Company National Life of Vermont National Life Insurance Company New England Life Insurance Company New York Life Insurance Company No. American Co. for Life and Health Insurance No. American Co. for Life and Health Insurance of NY Northwestern Mutual Life Insurance Company Ohio National Old Line Life Insurance Company Pacific Life Insurance Company Pacific Life and Annuity Company Penn Mutual Life Insurance Company Phoenix Home Life Mutual Insurance Company Phoenix Life Insurance Company Principal Financial Group Principal Life Insurance Company Protective Life Insurance Company Protective Life & Annuity Insurance Company Provident Mutual Life Insurance Company Provident Life and Casualty Company Prudential Insurance Company of America Reliastar Reliastar Life Insurance Company of NY Security Connecticut Life Insurance Company State Farm Life Insurance Company State Farm Life and Accident Assurance Company Sun Life of Canada Sun Life Insurance & Annuity of NY Transamerica Life Insurance Company Transamerica Financial Life Insurance Company Union Central Life Insurance Company United States Life Insurance Company West Coast Life Insurance Company Western Reserve Life Assurance Company William Penn Life Insurance Company of New York Woodmen of the World Zurich Kemper Life Insurance Company Zurich Life Insurance Company of New York Eligible companies and/or program may be modified or cancelled at any time.

4 LIFE INSURANCE External Term Conversion Program Eligible Carriers MetLife will continue to monitor the External Term Conversion Program on a regular basis to ensure that only policies issued by strong companies with responsible underwriting are eligible. MetLife will make revisions to the eligible carrier list as circumstances dictate and will review the list once a year for carrier additions. Clients who own an in-force term policy issued Standard or better in the last 60 months by one of the following companies are generally eligible for the program. American General Life Insurance Company Old Line Life Insurance Company Aviva AXA Equitable Life Insurance Company MONY Life Insurance Company of America Banner Life Insurance Company Genworth Life Insurance Company GE Capital Life Insurance Company First Colony Life Insurance Company The Guardian Life Insurance Company of America Berkshire Life Insurance Company of America Hartford Life and Annuity Insurance Company Liberty Life Lincoln Benefit Life Company Allstate Lincoln National Life Insurance Company First Penn Pacific Life Insurance Company Jefferson Pilot Life Insurance Company Manulife Insurance Company John Hancock Life Insurance Company Massachusetts Mutual Life Insurance Company 1 Midland National Life Insurance Company 2 Minnesota Life Insurance Company New York Life Insurance Company 1 North American Company For Life and Health Insurance Northwestern Mutual Life Insurance Company Ohio National Life Insurance Company Pacific Life Insurance Company Penn Mutual Life Insurance Company 1 Phoenix Life Insurance Company Principal Life Insurance Company Protective Life Insurance Company Chase Insurance Life & Annuity Company Empire General Life Insurance Company Federal Kemper Life Assurance Company Zurich Kemper Life Insurance Company Provident Mutual Life Insurance Company State Farm Life Insurance Company Transamerica Life Insurance Company Union Central Life Insurance Company West Coast Life Western Reserve Life Assurance Company 1 Only policies issued preferred rating classification or better are eligible. 2 There is an adjustment to Preferred Non Tobacco and Preferred Tobacco underwriting class ratings for April 2007 and later. Group affiliates or subsidiaries of approved companies are not eligible unless they are already on the list of approved companies. For Producer or Broker/Dealer Use Only. Not for Public Distribution.

5 PROGRAM HIGHLIGHTS The following guidelines have been established and must be followed in order for a non-enterprise term policy to be eligible for conversion: The following products offered by MetLife and its affiliates are eligible for conversion 3 : MetLife Promise Whole Life SM, Guarantee Advantage Universal Life and Equity Advantage Variable Universal Life SM. This program is not available for applicants residing in New York. However, if the formerly NY resident owner is currently a non-ny resident, eligible term carrier policies will be allowed. No partial conversions will be accepted. 4 Minimum face amount for conversion is $100,000. Preferred Nonsmoker is the best classification available with conversion. Elite is NOT available. Lifetime maximum aggregate face amount from all approved External Term Conversion cases per insured cannot exceed $1,000,000. Amounts over $1,000,000 must be underwritten. The insured s issue age (on the new permanent contract) must be between 18 to 65 inclusive. The term policy must have been issued and in force at least six months prior to and within 60 months (five years) of the signed and dated Enterprise Life Insurance Application. Subsidiaries and parent companies of the approved companies ARE NOT eligible, unless they are already on the list of approved carriers. The term policy must be in force and premium paying (no policies on disability waiver are allowed). Term conversion vouchers or credits are not available for this program. The term policy must be within its contractual convertible period. Only fully underwritten term policies issued under normal new business underwriting rules are eligible. Modified whole life plans with term plan features are not available for conversion in this program. Return of Premium cases will be allowed. Policies with flat extra premiums or exclusion riders are not eligible for the program. Initial class must be Standard or better, for both Smoker and Nonsmoker classes. Primary insured term riders and spouse term riders are eligible for conversion with the base term policy conversion, provided the rules for the base policy conversion also applies to the rider conversion. Outside (traditional) term riders on permanent plans issued by approved carriers ARE NOT eligible for this program. If waiver of premium is requested on the new permanent plan, underwriting is required. Please note: the disability waiver rider must be on the original term policy in order to be available on the new permanent product. The original term policy must be submitted; no lost policy declaration forms will be accepted. Full duplicate policies are acceptable. All applications submitted for this program are to be completed on a Cash on Delivery (COD) basis to avoid double coverage under the existing term policy and the Temporary Insurance Agreement. No collaterally assigned policies are eligible for this program. Acceleration of Death Benefit Rider (ADBR) is not available with conversion. Business owned cases will be allowed as long as the conversion is same to same. Some companies engage in a practice called Table Shaving, program advantage or similar, where several substandard table ratings are shaved to the Standard class or higher. For these companies shown in the list of approved companies, our understanding is that their table shaving policy may have included term policies and therefore only term policies issued in the Preferred class are eligible for the conversion program. Conversion is to a single-life individual policy only; survivorship policies and the Enterprise Executive Advantage VUL product are not eligible. Some companies may offer policy labels of standard with a table or class rating. Generally, these policies are not eligible for the program. A policy with a classification of just Smoker or Nonsmoker is a Standard classification. The insured and policy owner must reside in the United States. While we are treating the underwriting as if the client has a contractual right, this is a solicited program. Therefore all stages of the new business process must be completed in the United States. As with all life insurance sales, the transaction must be suitable for the customer and be fully supported by a financial needs analysis. 3 Whole Life 2008 will continue to be offered in Washington, until MetLife Promise Whole Life is approved. Once approved, conversions will follow the transition rules for MetLife Promise Whole Life. 4 The entire base policy face amount and if attached to the term policy, the entire amount of any primary insured or spouse term rider must be converted. Multiple term policies from multiple approved companies can be converted as long as the entire amount (for all policies) is converted and they map to the same MetLife class. For Producer or Broker/Dealer Use Only. Not for Public Distribution.

6 SUBMISSION HIGHLIGHTS You and your client need to complete the following forms in order to take advantage of this program: 1. Using the Enterprise Life Insurance Application: If Disability Waiver is not requested: - Sections one through six (only). - Debit Authorization, if applicable. - The Certification/Agreement/Disclosure pages, with all signatures included. - Producer Identification and Certification. - Written confirmation of term policy cancellation. 5 If disability waiver is requested in accordance with program guidelines, or underwriting required due to face amount on new policy is greater than term and/or eligible rider being applied for and/or aggregate face amount for all non- Enterprise term policies exceeds $1,000,000, in addition to the above completed information, the application and any required forms (e.g., EAUTH, HIV Consent Form) must be fully completed, signed and dated. The EMED form is required but considered optional if an examination is required. 2. Policies will be issued on a Cash on Delivery (COD) basis to avoid the possibility of double coverage unless home office has received confirmation of term policy cancellation. If home office has received confirmation of the term policy cancellation, the new policy may be backdated to avoid lapse in coverage. If home office only has documentation indicating intent to cancel term coverage, the new policy must be issued Cash on Delivery (COD). 3. Leave the Client Package booklet with the applicant DO NOT complete the Temporary Insurance Agreement and Receipt section tear it out. 4. Signed sales illustration. 5. Complete all replacement forms required by the state of residence of the policy owner. 6. The original term policy (lost policy declarations forms or policy summaries will not be accepted). 7. Other Requirements: If premium mode is monthly draft: Complete the monthly draft authorization form. Do NOT collect premium from the applicant. If new policy is the Equity Advantage VUL complete the Variable Supplement. Indicate External Term Conversion on the top of the first page or in the Additional Information section of the application. For more information on the External Term Conversion Program, contact MetLife today. 5 Enterprise External Term Conversion Form EXTC1 is no longer used with this program. In its place, we require written communication from the customer indicating intent to cancel or actual cancellation of the term policy. The new permanent policy cannot be issued without this documentation. Life insurance products are issued by MetLife Investors USA Insurance Company, Irvine, CA 92614, in all jurisdictions except New York, where permanent life insurance products are issued by Metropolitan Life Insurance Company, New York, NY and term life insurance products are issued First MetLife Investors Insurance Company, New York, NY All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. Variable products are distributed by MetLife Investors Distribution Company, Irvine, CA All are MetLife companies. January 2012 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union May Go Down In Value MetLife Investors USA Insurance Company 5 Park Plaza, Suite 1900 Irvine, CA metlife.com Metropolitan Life Insurance Company First MetLife Investors Insurance Company 200 Park Avenue New York, NY BDTM22321 L [0113] 2012 METLIFE, INC. PEANUTS 2012 Peanuts Worldwide For Producer or Broker/Dealer Use Only. Not for Public Distribution.

7 For Insurance Professional Use Only Not For Distribution With The Public Permanent for Life program overview > Use this guide to take clients from term to permanent insurance with no new medical requirements Program details The Permanent for Life program allows clients with eligible term policies to buy a new permanent life insurance policy from Nationwide without current medical requirements. Clients can choose from any individual Nationwide whole life, universal life or variable universal life policy currently being sold. Term policy requirements To issue a new permanent policy, a client s term policy must have been: Issued in the last three years for ages 18 to 65 Fully underwritten with either a paramedical exam or fully completed Part II section of the application Issued with a specified amount of $100,000 to $2,000,000 Issued at Preferred or Standard rates (tobacco or nontobacco) and not rated Not issued through any simplified issue, guaranteed issue or table shave program Ineligible companies American Bankers AFLAC American International Life Assurance Company of New York Americo Companies Assurity Life Balboa Life Fidelity Security Life First Central Life Insurance Company of New York Great West Household Life HSBC Life Old Mutual Penn Mutual Phoenix Life Sagicor Underwriting and issuing the permanent policy We use a streamlined underwriting process. An application is required, and we ll access MIB, Inc. and pharmacy database and obtain a motor vehicle report. Depending on face amount, a Life Financial Statement (LFS) or third-party financials may be required. Additional underwriting evidence may be required if there have been any health changes since the term policy was issued or if benefits or riders are added. If we have previously underwritten the client on a formal or informal basis, he or she may not be eligible for the program. For underwriting class, new policies are issued like to like. So, if a client was underwritten as Nontobacco Preferred for the term policy, the Nationwide permanent policy will be issued as Nontobacco Preferred. If the total amount of in-force and applied-for coverage with Nationwide exceeds $2.5 million, please contact your underwriter for program availability. The Permanent for Life program was designed to offer additional, rather than replacement, coverage. If a replacement becomes part of the transaction, normal replacement rules apply. Submitting your case Use the step-by-step submission form on the back to gather paperwork and submit the application. We reserve the right to modify or terminate this program at any time. In offering the Permanent for Life program to clients, please ensure that the products are suitable for those clients who have a permanent life insurance need.

8 Attn: Nationwide Life Underwriting Permanent for Life submission form Client name Producer name Please attach the following paperwork: Cover letter or this Permanent for Life submission form Copy of the face page, application and exam from the term policy Fully completed Nationwide life application and required state forms Signed illustration Underwriting contact information Phone: LIFE (5433) Fax: Mail: Nationwide Life Insurance Company Attn: Life Underwriting P.O. Box Columbus, OH For more information, please contact me today: Name Contact information: Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value For insurance professional use only not for distribution with the public Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Nationwide, the Nationwide framemark and On Your Side are service marks of Nationwide Mutual Insurance Company Nationwide Financial Services, Inc. All rights reserved. NFM-0287AO-BG.1 (09/11)

9 T R E N D S E T T E R S E R I E S Top & Top Plus program details Two Programs with Accelerated Underwriting Transamerica Life Insurance Company offers two accelerated underwriting programs that enable qualifying applicants to receive up to $1 million in coverage. Under the Transamerica Opportunity Program (TOP) and Transamerica Opportunity Program Plus (TOP Plus), individuals who ve been fully underwritten for term insurance within the past five years may be eligible for a 15, 20, 25 or 30-year Trendsetter portfolio policy without a new medical exam. 1 Qualifying Applicants TOP TOP Plus Issue Ages* Eligible Risk Classes of Previous Policy Standard or Better Preferred Plus or Similar Standard Plus or Similar Previous Policy Issued Within** The Past Five Years The Past Three Years Previous Policy Minimum Face Amount $100,000 $100,000 * Based on Age Nearest when applying for Trendsetter Super and Age Last when applying for Trendsetter Express or Trendsetter LB **Previous policy need not be in force Coverage Eligibility The maximum amount of new coverage is dependent on the rolling period from the original policy issue date to the new Trendsetter application date. If previous coverage was issued within: TOP Available Maximum Face Amount per Lifetime TOP Plus Available Maximum Face Amount per Lifetime One Year $1,000,000 $1,000,000 2 Three Years $750,000 $750,000 2 Five Years $500,000 N/A 1 These are not Guaranteed Issue programs. Qualification for coverage depends on the answers to health questions set forth in the new application. Subject to underwriting approval. Underwriting includes Medical Information Bureau screening, nonmedical, data pages of previously issued term policy, and additional requirements which may be imposed based on information from the MIB. Program is subject to withdrawal at any time without notice from the Company. 2 Cannot exceed the face amount of the previous policy.

10 T O P A N D T O P P L U S P R O G R A M D E TA I L S Additional Program Rules and Guidelines Must have been fully underwritten with blood work. Programs are not available to foreign nationals. Previous policy must be from our list of qualifying carriers including Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company. MVR and Script Checks will be run on all TOP and TOP Plus applicants. Under TOP Plus the Trendsetter policy face amount may not exceed the original policy face amount (Not a requirement under TOP). Multiple policies adding up to the designated maximum face amount may be issued under the programs; however, new coverage may never amount to more than $1,000,000 in total (combined total from TOP and TOP Plus) per individual life per lifetime. Term UL products are eligible to be topped under TOP or TOP Plus respectively. Carriers that have offered eligible Term UL are Genworth, Lincoln National, Protective, and Transamerica. Monthly Disability Income Rider requires full new business evidence for all TOP and TOP Plus applications. Maximum Company retention on one life is not to exceed $5,000,000. Applications that would require us to exceed our maximum retention will require full new business evidence. The programs are designed as additive coverage, not as a replacement. They do not require any assignment or termination, nor do they alter the face amount and conversion option of the previously issued policy. Application Requirements Basic application is APA 40 and the non-medical report is MPN 1. The programs do not require, nor do they have, a unique application. All of the new business supplemental forms and disclosures are still required. A copy of the previously issued term policy face page and data pages. 3 Any additional signed state-specific authorizations and disclosures required to transact new life insurance business. Note: A note in the Remarks section of the application should indicate that the policy is being applied for under the TOP or TOP PLUS program. For Transamerica policies being topped, the policy number should be included in the Remarks section. 3 Additional policy data page may be required to show the name of insured, date of issue, face amount and risk class. If using a Transamerica policy, the policy number (noted in the remarks or cover letter) can be used instead of copied policy pages. Trendsetter Super Series are term life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids, IA (Policy Form Nos , , , and , respectively) Premiums increase annually beginning in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy forms and numbers may vary, and these policies may not be available in all jurisdictions. This policy is not available in New York. Trendsetter Express is a term life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA Policy Form No. ICC 12 TL18 or TL18. Premiums increase annually beginning in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy form and number may vary, and this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. This policy is not available in New York. Trendsetter LB is term life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA Policy Form No. TL19. Premiums increase annually beginning in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy form and number may vary, and this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. This policy is not available in New York. For producer use only. Not for distribution to the public. OL

23 T R E N D S E T T E R S E R I E S Top & Top Plus application submission checklist When submitting an application for TOP or TOP Plus, please make sure that the following items are included: 1 Basic Application (APA-40) *A note in the remarks section of the application indicating that the policy is being applied for under TOP or TOP Plus should be included. Non-Medical Report - Part 2 (MPN-1) MIB Authorization All other signed state-specific authorizations and disclosures Face page and data pages of the previously fully underwritten policy from an eligible carrier If the previously issued policy is from TLIC/TFLIC, only the policy number needs to be supplied in the remarks or cover letter These modified requirements remain as initial requirements and additional evidence may be requested as the Underwriter reviews the case. 1 These are not Guaranteed Issue programs. Qualification for coverage depends on the answers to health questions set forth in the application and is subject to underwriting approval. Underwriting will include information obtained from a Medical Information Bureau (MIB) screening, nonmedical, face page of previously issued term policy, and additional requirements which may be imposed based on information based on the MIB. These programs are subject to withdrawal at any time without notice from the Company. For producer use only. Not for distribution to the public. OL

24 More coverage with less hassle. life insurance on your terms SERIES Added Security for Your Family By purchasing life insurance recently, you ve taken steps to provide security for your loved ones. But if recent changes in your life have you thinking you need more coverage, Transamerica Life Insurance Company now makes it easier to qualify for up to $1,000,000 of additional life insurance. Unlike the last time you applied for coverage, and had to take the time to provide blood work or a medical exam, qualifying applicants can now take advantage of Transamerica Life s hassle-free application program to purchase a new Trendsetter Super term life insurance policy, without the standard medical underwriting requirements. Simply complete our application forms for a new Trendsetter Super policy, and we ll do the rest! 1 Take a look at these sample Trendsetter Super monthly premiums for a Preferred Plus 20-year, $500,000 policy:* Age 30 Age 35 Age 40 Age 45 Age 50 Male $24 $27 $37 $56 $86 Female $21 $25 $33 $46 $67 *Premiums are lower if paid annually. Contact us today to see if you qualify. 1 This is not a Guaranteed Issue program. Qualification for coverage depends on the answers to health questions set forth in the new application and is subject to underwriting approval. Underwriting will include information obtained from a Medical Information Bureau (MIB) screening, nonmedical, face page of previously issued term policy, and additional requirements which may be imposed based on information based on the MIB. The program is subject to withdrawal at any time without notice from the Company. Trendsetter Super 20 (Policy Form No ) is a term life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA Premiums increase annually beginning in year 21. Policy form and number may vary, and this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. This policy is not available in New York. OL

25 <Insert Client Name/Company> <Insert Client Address> <Insert Client City, State, Zip> Dear <Insert Client Name> Consider Providing Them More...Without a Medical Exam I m pleased to announce the Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company that can provide a quick and easy way to increase your life insurance coverage. Because you have recently purchased an individual term life policy, you may qualify for up to $1,000,000 of Trendsetter term life insurance coverage with a choice of level premium periods of 15, 20, 25 or 30 years without the usual required medical exam. 1, 2 This program, along with Transamerica Life s competitive premiums, makes it easier to provide your family with more coverage. Take a look at these sample monthly premiums: Sample: Monthly premiums for a Preferred Nonsmoker, $500,000 policy 3 Age 40 Age 45 Age 50 Age 55 Age 60 Male $43.31 $68.25 $ $ $ Female $37.19 $54.25 $79.63 $ $ *Premiums are lower if paid annually. For more information on how to take advantage of this program, contact us today. Sincerely, <Insert Field Agent Name> <Insert Field Agent Phone Number> 1 TOP is not a Guaranteed Issue program. Qualification for coverage depends on the answers to health questions set forth in the new application. Subject to underwriting approval. Underwriting includes Medical Information Bureau (MIB) screening, nonmedical, face page of previously issued term policy, and additional requirements that may be imposed based on information from MIB. Program is subject to withdrawal at any time without notice from the Company. Maximum amount of new coverage is dependent on previous or current policy issue date. 2 Trendsetter Super 10 is not available with the TOP or TOP Plus program. 3 Sample monthly premiums based on male and female Preferred Nonsmoker, $500,000 death benefit coverage for Trendsetter 20. Premiums quoted are subject to change without notice.. Trendsetter Super Series (Policy Form Nos , , , , and respectively) are term life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids, IA Premiums increase annually beginning in year 11 for the 10- year policy, in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy forms and numbers may vary, and these policies may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. These policies are not available in New York. OL

26 <Insert Client Name/Company> <Insert Client Address> <Insert Client City, State, Zip > Dear <Insert Client Name>: Congratulations! Transamerica Life Insurance Company has recognized you as a recent policy owner with Plus status and invites you to participate in the TOP Plus program, in which you could easily qualify for up to $1,000,000 of additional life insurance. 1 If you ve experienced life changes in the past several years, you may require additional life insurance coverage. Now you can take advantage of a hassle-free program that can offer you additional term life insurance coverage of up to $1 million, without undergoing a full medical exam. Take a look at these sample premiums for a $500,000 term life policy: Sample Monthly Premiums for Male & Female Preferred Plus Nonsmoker for Trendsetter Super 20 Age 30 Age 35 Age 40 Age 45 Age 50 Male $24 $27 $37 $56 $86 Female $21 $25 $33 $46 $67 *Premiums quoted are subject to change without notice. Premiums are lower if paid annually. Give us a call or send in the information below today. We ll get back to you with your quote and application forms as soon as possible. If you have any questions, please don t hesitate to contact me. Sincerely, <Insert Agent Name> <Insert Agent Phone Number> PLEASE PRINT: Mr. / Mrs. / Ms. Date of Birth: / / Address: City: State: ZIP: Address: Daytime Phone: ( ) Evening phone: ( ) I would like a quote for the following face amount: 2 $250,000 $500,000 $750,000 $1 million I would like a quote for the following level premium: 15-year 20-year 25-year 30-year 1 This is not a guaranteed issue program and is subject to underwriting approval. Qualification for coverage depends on the answers to health questions set forth in the new application and is subject to underwriting approval. Underwriting will include information obtained from a Medical Information Bureau (MIB) screening, nonmedical application form, face page of previously issued term policy, and additional requirements which may be imposed based on information from the MIB. The maximum issue sum is $1,000,000. The program is subject to withdrawal at any time without notice from the Company. 2 Face amount cannot exceed the face amount of previously issued policy. Trendsetter Super Series (Policy Form Nos , , , and , respectively) are term life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids, IA Premiums increase annually beginning in year 16 for the 15- year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy forms and numbers may vary, and these policies may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. These policies are not available in New York. OL

TOP and TOP Plus Programs If clients have been sold a term policy within the past 5 years and have been fully underwritten by an eligible carrier CLICK on the buttons below to view TOP and TOP Plus eligibility.

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Banner Life + ReliaStar Life Insurance Company (ING) + Genworth Life and nnuity Insurance Company M Best Genworth Life Insurance Company M Best merican General Life Companies + Transamerica Life Insurance

Marketing Guide Life Insurance Whole Life II Protection They Can Count On What you ll find inside... Product Highlights Target Audience Product Details Available Riders FOR BROKER-DEALER OR AGENT USE ONLY

Life Insurance Review As a financial professional, you understand the importance of preparing for the unexpected... as well as for the inevitable. Your clients insurance portfolio should be reviewed periodically

Page 1 of 7 American General Plus Non-Tobacco Non-Tobacco Standard Plus No tobacco for 5 years No tobacco for 4 years No tobacco for 3 years No tobacco for 2 years An occasional cigar smoker may qualify

Welcome to Crump Life Insurance Services! Offering you a world of insurance solutions and world-class service Advisor Group welcomes you to a new life insurance brokerage relationship with Crump Life Insurance

NAIC # COMPANY NAME TOTAL PAYMENTS (REFUNDS) IN 2004 AMOUNT OF TAX CREDIT TAKEN IN 2004; PAID IN 2004 AMOUNT OF TAX CREDIT TAKEN IN 2004; PAID IN 2003 10367 AVEMCO INSURANCE CO (322,417.43) 10642 CHEROKEE

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10 Year Term Warehouse American General Select-a-Term 10 American National Signature Term 10 Aviva Life & Annuity Term 10 AXA Equitable Term 10 Banner OPTerm 10 Genworth Colony Term 10 ING ReliaStar TermSmart

ANICO Signature Term Life Insurance American National Insurance Company ANICO Signature Term Life Insurance $1,000,000+ ART 10-Year 15-Year 20-Year 30-Year $500,000 Greater than $250,000 18-65 All Classes

Allianz Life Insurance Company AM Best A Indexed S&P AA Indexed Moody's A2 Comdex 87 American General AM Best A 10 year term S&P A+ 15 Moody's A2 Comdex 82 Indexed Survivorship Indexed American National

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page 1 of 5 Preliminary Inquiry Not an application for life insurance. This Informal Inquiry form is used exclusively to gather specific information on a proposed insured s medical history and other factors

Accordia Accordia American General American General American General AXA Term Annual Renewable Term Select A Term ROP Term AG Ultra One Bright Life Term Earlier of level period or age 75 Earlier of ten

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Group A&H Written in Georgia 2009 by Various Insurer Types ( listed in descending order by premium written within company type) Health Companies Group Code Georgia 2009 Direct Premiums Written, Group Health

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11INDUSTRY RANKINGS The U.S. life insurance industry in 2014 is made up of 830 companies with sales and operations across the country. Many of these companies are stand-alone entities, with no life insurer

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LIFE INSURANCE Term Conversion LIN BAN producer guide MetLife s Internal Term Conversion program offers clients the contractual right to convert term insurance policies issued by Metropolitan Life Insurance

THE ALLSTATE PRODUCT BOOK Your Comprehensive Guide to Allstate Financial Products Protection Accumulation Income FOR BROKER/DEALER OR AGENT USE ONLY Not for public dissemination. May not be distributed,

GOVERNMENT OF NEWFOUNDLAND AND LABRADOR DEPARTMENT OF GOVERNMENT SERVICES AND LANDS 2000 REPORT OF THE SUPERINTENDENT OF INSURANCE INSURANCE STATISTICS FOR NEWFOUNDLAND AND LABRADOR NOTICE THE FINANCIAL

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Life Insurance Proposal vpl-plus A Voluntary Permanent Life Proposal For the Employees of Presented By Issued By: Metropolitan Life Insurance Company New York, NY 10166 Life Insurance Administrative Office

Accordia Life Permanent Products: Up to Age 70: Premier and Preferred available if qualifies as a standard aviation risk or with an exclusion rider. Age 71+: Individual consideration. Term Products: Premier,